Illustration of financial risk controls, payment alerts and secured transaction monitoring

Compliance

AML and Risk Management

ETR Pay regards anti-money laundering (AML) and risk management as core responsibilities in cross-border financial services. We adopt internationally recognised risk-based approaches to ensure that the platform operates in line with the highest global compliance standards, while providing users with a secure, efficient and dependable payment experience.

AML and Risk Management

International Frameworks

Following FATF and FSB risk-based approaches

We actively refer to the latest recommendations of the Financial Action Task Force (FATF), including the 2025 revision to Recommendation 16 on payment transparency, which is intended to improve the completeness and consistency of cross-border payment information and strengthen the detection of financial crime. We also follow the cross-border payment risk management framework promoted by the Financial Stability Board (FSB), applying strict customer due diligence (KYC), ongoing transaction monitoring and sanctions screening procedures.

Transaction Transparency

Using structured data to strengthen anomaly detection

In currency exchange and cross-border payment activities, we apply the governance and risk control principles of the FX Global Code, together with the structured data requirements of the Committee on Payments and Market Infrastructures (CPMI) and ISO 20022 international standards. This materially improves transaction transparency and anomaly detection, helping to prevent money laundering, terrorist financing and other financial crime risks.

Risk Management System

Our principal control mechanisms

Ongoing risk assessment and classification mechanisms
Real-time transaction monitoring and intelligent alert systems
Regular internal reviews and independent external validation
Compliance training for all staff and a strong risk culture

Compliance Commitment

Balancing international obligations with legitimate user activity

We are committed to fulfilling our international AML obligations with professionalism and care, while ensuring that risk-based compliance measures do not place unnecessary friction on legitimate users' normal transactions.